Convenient way to repay credit card of China Everbright Bank

Bind repayment with debit card

1. Automatically linked repayment

China Everbright By default, bank credit cards will automatically deduct funds from your savings account on the monthly payment due date to repay the outstanding debt on the credit card account.

The settings/modifications of the automatic repayment function take effect immediately. After the last period's bill date, if you set/modify the automatic repayment method before the current period's automatic deduction date, the last period's bill will be automatically deducted according to the modified method; if the current period's automatic deduction is to set/modify the automatic repayment method in the future, the last period's bill will still be based on the modified method. Automatic deduction will be carried out through the method; the last modification shall prevail if multiple modifications are made.

The account associated with the combined deposit and loan card defaults to a savings account, and the automatic repayment method defaults to full amount. Customers can modify the default associated account and automatic repayment method. The balance will be credited to the account on the evening of the day after the due repayment date, and the credit limit will be restored after the credit is credited.

Set up automatic associated repayment channels: counter, calling customer service, online banking, and mobile banking.

2. Inter-bank automatic repayment

Customers can log in to our bank's online banking, mobile banking, credit card website, or call 95595 manual customer service to set up inter-bank automatic repayment and make it popular. Bind the credit card to the debit card of another bank to achieve automatic repayment

The debit card issuers currently supporting transfer include: Agricultural Bank of China, China Construction Bank, Bank of China, China Merchants Bank, Postal Savings Bank, Industrial Bank, ICBC.

3. Repayment associated with debit card online banking of other banks

Easily manage multiple bank accounts through China Everbright Online Banking.

Automatic fund collection: Once you sign a contract and set the collection rules, you can link the bank accounts of Everbright Bank and other banks, and the funds will be automatically and regularly transferred to the designated Everbright account, thereby improving the efficiency of fund use. .

Manual fund collection (real-time deduction from other banks): Once you sign a contract, you can transfer funds from other banks to the designated account of China Everbright Bank in real time.

It is free to pool funds. No matter whether you are in the same city, different places or across banks, there is no handling fee for pooling funds across banks through your Everbright Center account. Provides manual real-time, automatic minimum guarantee, fixed quota and other fund collection methods to save worry and effort.

Online repayment

1. Personal online banking

If you have opened China Everbright Bank online banking and hold a China Everbright Bank Sunshine Debit Card or China Everbright You can complete the repayment by following the following steps:

1) Log in to China Everbright Bank: Log in to online banking.

2) Click "Account Settings" under "Account Management", select "Add New Account", and enter the credit card in the pop-up window to complete the addition.

3) Click "Credit Card-Credit Card Repayment" to transfer the repayment amount from your Sunshine Debit Card, China Everbright Bank Current Account or Sunshine Deposit and Loan Integrated Card Savings Account to your credit card account and complete the repayment.

The credit card limit is restored in real time and credited to the customer's account at night.

2. UnionPay Online

You can use China CITIC Bank, Everbright Bank, Minsheng Bank, China Merchants Bank, Industrial Bank, Shanghai Pudong Development Bank, Ping An Bank, Shenzhen Rural Commercial Bank, Hua Xia Bank, Debit cards from Bank of East Asia, Hunan Rural Credit Cooperatives United Cooperative, Hainan Rural Credit Cooperatives United Cooperative and many other banks can repay your Everbright credit card, and the credit card limit will be restored in real time and credited to the customer's account at night.

Repayment process:

Visit the Everbright Credit Card website link or log in directly

Notes:

In order to control risks, UnionPay online payment The website sets the maximum monthly repayment amount of a debit card to 100,000 yuan. Once the maximum monthly repayment amount of your current debit card exceeds 100,000 yuan, an "amount exceeded" error will be prompted;

If your debit card chooses "Do not open POS" transaction when applying for the card, "Amount Exceeded" will also be returned.

It is recommended that you call the debit card issuing bank to inquire. Whether this option is set and activated through the card issuing bank.

3. Alipay

The Alipay credit card repayment function means that cardholders can transfer the funds in their debit card account to their credit card account through online banking through the Alipay credit card repayment platform.

Customers log in to the Alipay website, select credit card repayment, and fill in the repayment information. Customers can choose to transfer out the debit card issuing bank's online banking for repayment, or choose to repay the balance in their Alipay account.

Supports ICBC Online Banking, China Merchants Bank Online Banking, China Construction Bank Online Banking, Bank of China Online Banking, Agricultural Bank of China Online Banking, Bank of Communications Online Banking, Shanghai Pudong Development Bank Online Banking, Guangfa Online Banking, China Everbright Online Banking, Minsheng Online Banking, Ping An Online Banking, Beijing Rural Commercial Bank Online Banking, and Postal Savings Online Banking. , Fudian Bank online banking transfers to our bank's credit card for repayment; Alipay account balance repayment is also supported.

Self-service equipment repayment

1. Self-service equipment cash repayment

Use a credit card at the self-service deposit and withdrawal machine of China Everbright Bank and select "Cash Repayment" , put in RMB cash, and complete the RMB repayment after confirming the repayment amount.

The credit card limit is restored in real time and credited to the customer's account at night.

2. ATM transfer and repayment

Use the Sunshine Debit Card on the China Everbright Bank self-service equipment (ATM, CRS, payment machine), select "Credit Card Repayment" and enter RMB repayment amount and credit card to complete the RMB repayment.

3. Lakala

Cardholders swipe credit cards, debit cards, enter the repayment amount, and debit at any smart payment terminal of "Lakala Convenient Payment Outlets" Card password and other information are used to complete the debit card deduction and credit card repayment business through the UnionPay clearing platform. Through this method, the cardholder can use the UnionPay logo debit card issued by any bank to repay our bank's credit card (except the US dollar single currency Olympic card). The inter-bank repayment fee will be borne by our bank and the cardholder does not need to pay the fee.

Carry out Everbright credit card repayment through Lakala channels, restore the credit card limit in real time, and credit the customer's account at night. (For the sake of safety, it is recommended that customers repay 2-3 days in advance)

Repayments through Lakala shall not exceed 3 per card per month. This limit is a unified limit of Lakala and is not a requirement of our bank. If a customer inquires about this issue, it is recommended that the customer call Lakala.

Over-the-counter repayment

1. Over-the-counter repayment at our bank

1) Directly go to the counter of China Everbright Bank branch to deposit RMB cash or cash into the credit card and complete Repayment.

2) Complete the repayment by transferring RMB or account transfer from Sunshine Debit Card or China Everbright Bank’s current all-in-one account to the credit card account.

The credit card limit is restored in real time and credited to the customer's account at night.

2. Inter-bank transfer/remittance repayment at the counter of another bank

You can repay by transfer or remittance at the counter of another bank. Remittance form filling tips: beneficiary bank—any branch of China Everbright Bank (it is recommended to fill in the local China Everbright Bank branch);

Payee—name of credit card customer;

receipt account number —Credit card;

Purpose of remittance—credit card repayment.

It will take 1-3 working days to be credited into the account, and the credit card limit will be restored after the credit is credited. (For the sake of safety, it is recommended that customers repay 2-3 days in advance).

Telephone repayment

Mobile banking repayment

1) Add a credit card account and log in to "Mobile Banking", click "My Settings", and click "Add Account" ” column to enter the account number and transaction password to complete the addition.

2) For credit card repayment, click "Credit Card - Credit Card Repayment" to restore the credit card limit in real time, and it will be credited to the customer's account at night.

Recommended reading for more related popular articles:

What are the repayment methods for Everbright Bank credit cards? Check out the four repayment methods

China Everbright Bank credit cards are very popular among people, and many people often use China Everbright Bank credit cards for their daily expenses.

Of course, after consumption, you need to repay the bill. So, how to repay the credit card of China Everbright Bank? What are the repayment methods for Everbright Bank credit cards?

1. Third-party payment platform repayment

Nowadays, people are using third-party payment platforms like Alipay more and more frequently for online consumption or daily life. In addition to It can be used for consumption and to pay off credit cards. For example, like Alipay, you can log in to Alipay, open the "Application Center", select "Credit Card Repayment", and click "Repay Now" to repay your Everbright credit card.

2. Online banking repayment

Customers who have opened Everbright Bank’s online banking can also choose to use online banking to repay. It is also very convenient to operate. After logging in to online banking, select “Credit Card” ” and then click “Credit Card Repayment”.

3. Repayment at self-service equipment

You can take your Everbright Bank credit card to repay at the self-service equipment at nearby outlets, that is, go to ATM machines and CRS machines to make repayments. That’s it.

4. UnionPay online repayment

You can repay through the UnionPay online payment network, which supports the repayment of Everbright Bank credit cards.

The above is a summary of the four methods for repaying Everbright Bank credit cards. People generally use third-party payment platforms to repay, and there is no handling fee for repaying their credit cards through Alipay. , it’s very worthwhile. Of course, several other methods are also very convenient and quick.

How to repay Everbright Bank credit card?

1. The repayment method of Everbright Bank credit card - automatic repayment

After you successfully associate the Everbright Bank credit card with the Everbright Bank debit card or current one-stop card, you will be charged monthly Transfer repayment from your designated Everbright debit card or current account to your own Everbright credit card.

Note:

(1) The automatic repayment method can only use the debit card or current current card of the main credit card holder as the credit card associated repayment account, and The account name and ID number of the transferred account must be exactly the same as the name and ID number of the main credit card holder.

(2) There are two methods for automatic repayment of U.S. dollar accounts. One is automatic transfer of U.S. dollars for repayment, and the other is automatic purchase of foreign exchange for repayment of RMB. You can choose the corresponding one according to the currency of your daily balance funds. Repayment methods cannot be activated at the same time.

(3) For automatic repayment, you can choose to repay in full or with the minimum repayment amount.

(4) After automatic repayment takes effect, the Bank will deduct the credit card repayment for the current month from your designated account on the due repayment date, and you no longer need to repay it yourself; if the balance in the associated account is insufficient, The balance will be deducted to "0" yuan, and the remaining balance will not be deducted separately. You need to repay by yourself. If you repay after the due payment date, you will be responsible for the resulting late payment fees, interest and other fees.

Application method:

(1) Application form check: When applying for a credit card, fill in the Everbright Bank debit card or current account in the "Automatic transfer repayment information" field on the application form Yibentong account, check the repayment method. If the repayment method is not checked, the default is full repayment; when the dual-currency card activates the RMB automatic transfer repayment function, it also activates the RMB automatic foreign exchange repayment function by default.

(2) Telephone banking application: dial the 24-hour customer service hotline 4008-1-95595, and activate RMB automatic transfer repayment, USD automatic transfer repayment or RMB automatic foreign exchange purchase repayment through voice service or manual service function.

(3) Apply through China Everbright Bank Online Banking: Log in to the homepage of China Everbright Bank, log in to the "Public Edition" or "Professional Edition" of personal user online banking, and select "Automatic Repayment Settings" or "Foreign Exchange Purchase Repayment Settings" ”, make the corresponding associated automatic repayment application.

2. One of the credit card repayment methods of Everbright Bank - UnionPay online repayment

You can use debit cards from nearly ten banks to repay our credit card through the UnionPay online payment network. .

Debits from China Merchants Bank, Industrial Bank, Shenzhen Development Bank, Shanghai Pudong Development Bank, China CITIC Bank, Everbright Bank, Minsheng Bank, Shenzhen Ping An Bank (Shenzhen Commercial Bank), Shenzhen Rural Commercial Bank, and Bank of Communications (Shenzhen) can be used Card transfer to our bank's credit card for repayment. During the promotion period, inter-bank transfer fees are temporarily waived.

Notes:

(1) Before repayment, the transfer-out debit card and transfer-in credit card must be bound and real-name verified.

(2) Real-name information must be used when registering. Otherwise, the binding card and real-name verification process will not pass.

(3) Your repayment will be credited within three working days of the actual repayment date. Repayments after 23:00 will be regarded as next-day transactions. If the repayment does not arrive on time, you can call UnionPay customer service hotline 95516 for consultation. To protect your interests, please repay within three working days of the due date at the latest.

(4) The UnionPay online payment website sets the maximum monthly repayment limit for each user to 20,000 yuan. No matter how many debit cards you bind, once your cumulative repayment amount exceeds 20,000 yuan this month Yuan, an "Amount Exceeded" error will be prompted.

(5) The debit card issuers that support this business shall be subject to the announcement on the UnionPay online website.

(6) For debit card segments that support this business, please contact UnionPay customer service hotline 95516.

3. One of the Everbright Bank credit card repayment methods - Lakala convenient payment outlets

You can use any debit card with the UnionPay logo at any Lakala Automatically repay your China Everbright Bank credit card on the payment terminal at a convenient payment outlet. This business does not charge handling fees for the time being.

Repayment process:

1. Select "Credit Card Repayment" → 2. Use Everbright credit card or enter Everbright credit card and confirm → 3. Enter the repayment amount and confirm → 4. Enter the SMS recipient’s number → 5. Swipe the debit card, enter the password and confirm → 6. End the repayment and print the receipt → 7. Receive SMS notification

Convenient payment outlet distribution:

Xinfutong terminals are widely distributed in office buildings, convenience stores and grocery stores around residential areas in Beijing, Shanghai, Shenzhen and other large and medium-sized cities, all around your work and living areas. Lakala has built and opened more than 15,000 outlets. The specific deployment location shall be subject to the information published on the Lakala website. For details, please see

IV. Everbright Bank credit card repayment method - counter repayment

You can use credit card or cash. When the repayment is due, go to our bank's business outlets for cash repayment in RMB or US dollars. If you hold an Everbright debit card or current one-stop card, you can also handle transfer repayment at the branch counter. In addition, the counter can also handle foreign exchange purchase and repayment business.

5. One of the credit card repayment methods of China Everbright Bank - self-service equipment repayment

(1). Self-service equipment transfer repayment

Ebright provides "credit card repayment" Self-service equipment with "payment" functions include: ATM, CRS (self-service deposit and withdrawal machines), multimedia self-service terminals, and payment machines.

Everbright debit card holders can transfer and repay their own or other people’s credit cards at our bank’s ATMs, CRS and other self-service machines. Except for multimedia self-service terminals, other self-service equipment only accepts RMB transfer and repayment.

Operation process:

1. Insert the Everbright debit card → 2. Enter the debit card transaction password → 3. Select "Credit Card Repayment" → 4. Enter the Everbright credit card → 5 .Enter the repayment amount → 6. Confirm and select "Print Receipt" → 7. Select "Get Card".

(2) Deposits at CRS self-service deposit and withdrawal machines

You can bring your credit card and cash and apply through the self-service deposit and withdrawal machines (CRS) at Everbright Bank outlets or self-service outlets. Cash repayment in RMB.

Operation process:

1. Insert the Everbright credit card → 2. Enter the credit card transaction password → 3. Select "Deposit" → 4. Put the cash into the "Input Slot" → 5 .Confirm → 6. Confirm the deposit amount → 7. Select "Print Receipt" → 8. Select "Get Card".

6. China Everbright Bank credit card repayment method - Online banking transfer repayment (Public version, Professional version)

Operation steps:

In China Everbright Bank Log in to the "Public Edition" or "Professional Edition" of personal user online banking on the home page, select "Credit Card" - "Credit Card Repayment", and follow the page prompts to repay the bank's credit card from Everbright debit card or current account. .

Notes:

(1). The "Public Edition" of online banking only supports repayment from one's current account to one's credit card. The credit card account needs to be linked to online banking first, and the repayment can only be successfully achieved after the credit card appears in the "Credit" drop-down box on the "Credit Card Repayment" page.

(2). The "Professional Edition" of online banking can realize repayment from the bank's current account to any of the bank's credit cards (including personal and other people's credit cards). The credit card that needs to be repaid in my name can be selected in the drop-down box by adding online banking. At the same time, the function of manually inputting the credit card that needs to be repaid is provided to facilitate repayment to credit cards that are not in my name.

(3). Operation process of adding a credit card to online banking: 1. Log in to the Professional Edition/Public Edition of Online Banking → 2. Select "Customer Service" → 3. Select "Add Credit Card Account" → 4. Enter the credit and Password → 5. Click "OK".

7. China Everbright Bank credit card repayment method - inter-bank transfer/remittance

You can repay by transfer or remittance at other bank counters. Please fill in the documents as follows:

Payee: Name of the credit card holder for repayment

Billing account number: Credit card for repayment

Payment Bank or account opening bank: any Everbright branch (it is recommended to fill in the local China Everbright Bank branch)

Notes:

If you use this method to repay, you need to bear the fees charged by other banks. Remittance fees. Please consult the accepting bank for specific arrival time and handling fee standards.

How to repay with Everbright Credit Card

Automatic repayment: Repayment at Everbright Bank counter: Repayment at self-service equipment.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

The process of negotiating repayment for an overdue Everbright credit card

Can I negotiate for installment repayment after an overdue Everbright credit card?

Everbright credit card holders can negotiate for repayment after overdue payment. After successfully negotiating the installments, they can be divided into up to 60 interest-free installments. You can negotiate the installment with the bank before it is overdue, and you can reach an installment agreement with the bank through debt restructuring. Installment repayment is applied by the user before it is overdue. Everbright Bank credit card holders can choose to repay in installments after swiping the card for consumption.

If you are unable to repay the loan on time due to unemployment or illness, the cardholder needs to negotiate with the bank for installment repayment when he is unable to repay the loan in one go. Cardholders are advised to proactively communicate with Everbright Bank before the repayment period, state their financial situation, and then apply for or negotiate repayment business.

Being overdue will not only affect your personal credit score but also impose additional penalty interest. If you have the ability to repay the loan, you should repay it in full and on time to avoid jeopardizing your subsequent loan business. If you are unintentionally overdue, you need to repay as soon as possible after discovering it. For credit card holders, it is best to repay in full.

In general, after the Everbright credit card expires, the cardholder can apply for installment repayment business from Everbright Bank. If the user knows that he is going to be overdue before it is overdue, the sooner he contacts China Everbright Bank, the better. If the cardholder negotiates repayment after overdue payment, the final result of the negotiation will depend on whether the bank agrees.

How to negotiate repayment with Everbright Credit Card

After the credit card debt is overdue, you should take the initiative to communicate with the bank. If you are under pressure to repay, you can offer the option of installment or principal repayment. interest, or repayment of principal and interest, in short, we must negotiate a method acceptable to both parties and deal with it as soon as possible

Negotiate repayment of Everbright Credit Card

After the Everbright Bank Credit Card expires, if you are financially If your ability is limited, you can negotiate with China Everbright Bank for repayment:

1. If the cardholder cannot repay on time due to unemployment or illness, it is best for the cardholder to repay before the repayment period. , take the initiative to communicate with Everbright Bank, state your financial situation, affirm that you do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. If Everbright Bank recognizes your proactive performance and previous good credit record, it will often agree to defer repayment. At this time, cardholders can take the initiative to negotiate with China Everbright Bank a repayment plan acceptable to both parties, such as extension period, interest discount, monthly repayment amount, etc.

3. If the payment is overdue unintentionally, repay it as soon as possible after discovering it, preferably in full. Then call the bank's credit card center to state that the debt is not malicious.

4. Credit card repayment information will generally be kept for 24 months. After a credit card is overdue for repayment, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years. And keep your credit in good condition during the period, so that you can remove bad records from the credit system by rolling the records.

Negotiate repayment

1. Credit card holders should proactively contact the bank after the due date, rather than passively waiting for the bank to contact them, let alone deliberately avoid the bank;

2. Explain to the bank the reasons for personal overdue payment, inform the bank of your difficulties, apply to the bank for deferred repayment and interest exemption, ask whether installment repayment is possible, and show the bank your strong willingness to repay;

3. Develop a clearer repayment plan for future repayments and wait for the bank’s notification whether it agrees to negotiate repayment.

That’s it for the introduction of how to repay the Everbright credit card.